Rates & Terms of Coverage

All full-time undergraduate and professional faculty students who were enrolled in the 2015-2016 academic year are covered under the current Health & Dental Plan. Students starting in September 2016 will be enrolled in the 2016-2017 Plan.

Your Health and Dental Plan is student run and tailored to student needs. It offers coverage beyond that provided by provincial plans like the Ontario Health Insurance Plan (OHIP), and the University Health Insurance Plan (UHIP) for international students.

If you are charged the associated fees (refer to ROSI) in both the fall and winter sessions, you are covered from September 1 to August 31. If you are charged only for a single session, you are covered for either September to December or January to August, depending on the session you are registered in. Coverage remains until the end of the term you were charged for, provided you have not been refunded the fees.

Cost of plan:
Health Plan: $81.46/session (Fall/Winter only)
Dental Plan: $72.44/session (Fall/Winter only)

Basic Health Coverage
Please note that by law this policy can only cover medical expenses that are NOT COVERED by your provincial health care (e.g. OHIP), or equivalent insurance, like UHIP. It is not a substitute for OHIP or UHIP. Moreover, it does not cover all non-OHIP medical expenses.

Ontario Residents: Permanent residents of Ontario must apply for their own Ontario Health Insurance Plan (OHIP) card (416-314-7444). This is free insurance that covers doctor and hospital visits. Coverage ends if you leave the country for more than 3 months, and during that time pays benefits at a reduced rate, such as $400 per day for hospital. Purchase alternate coverage if you will be traveling outside of Canada. If you travel to another province to study, your OHIP coverage remains in effect if you notify OHIP and get approval.

Out-Of-Province Students: Students from other Canadian provinces must maintain their home province coverage. You must arrange this with your home province health insurance. You do not qualify for OHIP, as a student is deemed to be a “temporary resident” when studying in Ontario.

International Students: International students’ basic health coverage is the University Health Insurance Plan “UHIP”. Contact the UHIP Office immediately at the Koffler Student Services Centre, Room 202 or 416-978- 0290, for information about your insurance. Coverage for family members must be purchased within 30 days of their arrival.

Premiums
Your Health and Dental Plan premiums are included in your Society Fees. If you are charged fees for both the fall and winter sessions, you are covered from September 1 to August 31. If you are charged fees for a single session you are insured either for September to December or January to August, depending on the term you are registered in. Coverage remains in force until the end of the term you were charged for, provided you have not been refunded your fees.

Who Is Covered?
You are automatically covered under this plan if you are enrolled full-time at the St. George or UTM campuses as an undergraduate (including B. Ed, Medical, Dental and Pharmacy) or Toronto School of Theology student.

Who Is Not Covered?
1) Part-time Undergraduate Students: Part-time undergraduate students on all campuses are covered by the Association of Part-time Undergraduate Students: 416-978-3993.

2) Scarborough Campus Students:
Full-time undergraduate students on the Scarborough campus are covered by the Scarborough Campus Students Union (SCSU): 416-287-7005.

3) Graduate Students:
Graduate students on all campuses are covered by the Graduate Students’ Union (GSU): 416-978-8465

4) Current changes to the Health and Dental plan include:

  • change in extended health and dental insurance provider
  • change of network service providers
    • addition of psychologist network
  • reduction of dental recall exams to once per 12 months
  • reduction of periodontal scaling from 8 to 2 units per year
  • addition of vaccinations at 80% coverage under the $5000 prescription drug maximum
  • increase to $100 per visit for Psychologist services, up to 20 visits per benefit year

 

Subrogation
Green Shield retains the right to subrogation if benefits have or should have been paid or provided by a third party. In cases of third party liability, you must advise your lawyer of these rights.
Contact: Maria Galvez, Health & Dental Plan Coordinator
|
health@utsu.ca
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416-978-4911 ext. 227
Receipts for Income Tax purposes
Many people are able to claim health/dental insurance premiums and medical expenses not covered by insurance when filing tax returns. To calculate what you paid, see premiums above, or review a detailed breakdown of the fees you paid on ROSI. The Canada Revenue Agency will accept a copy of your detailed financial record as proof of the expense. Students who pay an additional fee to the UTSU office to extend coverage to family members will be issued a receipt for the additional payment when payment is made.
Contact: Maria Galvez, Health & Dental Plan Coordinator
|
health@utsu.ca
|
416-978-4911 ext. 227

Questions or Assistance
If you are told by the Student Care staff that you or a family member are not covered, or you are denied benefits you believe are eligible, please contact the UTSU Health & Dental Plan Coordinator Maria Galvez at health@utsu.ca or 416-978-4911 ext 227.

If you didn’t receive your opt-out refund by the end of March, contact UTSU at the email address or phone number above. When leaving a message spell your name and leave your student number.

If your expenses are greater than your coverage and you’re having financial difficulties, you may be eligible for assistance. Contact your registrar’s office for bursary details.
Contact: Maria Galvez, Health & Dental Plan Coordinator
|
health@utsu.ca
|
416-978-4911 ext. 227
Staying Healthy
See the SAC/UTSU handbook for more details. Some services offered by the University include:

Health Services: 416-978-8030
Psychiatric Services: 416-978-8070
Counseling Services: 416-978-7970